Pre-qualify Auto Refinance

Find out if you can save on your auto loan without impacting your credit

Exploring auto loan refinancing options is a smart financial strategy to lower your payment or change the term on your auto loan.  Refinancing can also provide the opportunity to add valuable products that increase your control over the cost of vehicle ownership or let you adapt to changes in your life, such as adding or removing a borrower from your car loan.  Since refinancing your auto loan means getting a completely new auto loan that pays off the old loan, it provides the opportunity for meaningful changes that help you manage your budget and financial plans.

How to Pre-qualify for an Auto Refinance

Of course, not everyone qualifies to refinance their loan.  A credit score is one key element, but it isn’t the only factor that dictates whether you qualify or the terms of the new loan for which you may qualify.  Lenders use many factors related to your personal financial strength and history as well as vehicle criteria to determine your eligibility and loan terms.  Each lender evaluates those criteria differently and has unique methods to assign an interest rate to a loan application, based on their definition of the associated risk.

Since applying for a new auto loan involves one or more lenders pulling a credit report, which may affect your credit score, it’s a good idea to review your qualifications first to determine if you are likely to qualify.  In other words, going through a pre-qualification evaluation can be helpful, both in terms of your credit score and your time and effort.  RefiJet uses the following factors to conduct a pre-qualification process that involves comparing your criteria against the criteria of various lenders in our program, then submitting your application to the one lender that is the best fit for you.  If you pre-qualify through RefiJet, the chances are very high that you will qualify with one of our lenders.

Vehicle Criteria:  Lenders evaluate multiple criteria regarding the value of the vehicle being refinanced.  They use a third-party valuation guide to establish your vehicle’s market value, then compare it to the amount of the loan you need.  This Loan-to-Value ratio is a key risk factor when deciding whether or not to approve a loan and setting loan terms, such as interest rate.  In addition, lenders typically set guidelines about the type of vehicles they will or won’t allow.

  • Make/Model: Most lenders accept major makes and models.  The options narrow if you have a very high-end vehicle or a make/model that has experienced major issues over time or has been discontinued.
  • Age: Most lending programs won’t cover a vehicle over 10 years old based on the model year. (model year may be different than calendar years)
  • Mileage: If you have a vehicle with high mileage, it can affect both your ability to get a refinance loan and the loan terms.  Some lenders have mileage maximums, such as 100,000 miles.  Others may allow a high-mileage vehicle, but increase the interest rate or limit the loan term to reduce their risk.
  • Usage: If your vehicle is used for commercial purposes (in some cases, including use for ride-sharing), the vehicle typically won’t qualify for a traditional, personal auto loan refinance.
  • Title: Lenders require you to guarantee that the title is clean.  If the title isn’t clear or if the vehicle is a salvage, lemon, or flooded vehicle, for example, most lenders will not approve a loan refinance.

Financial Criteria:  Your past credit history as well as your current financial stability factor in your ability to qualify for a loan and the terms for which you qualify.  The following factors are considered when evaluating whether you will qualify for a loan.  In some cases, an individual factor can disqualify you if you don’t pass the minimum threshold, even if the other factors qualify.

  • Credit score: Most lenders set a minimum threshold for credit score.  Above that threshold, many use credit score as one of the factors upon which they adjust the terms (such as interest rate, maximum loan term, maximum loan amount, etc.).
  • Credit History: Lenders may consider both your overall credit history, based on the amount of time you have had credit and the number of credit lines on your report, and the number of paid-on-time payments you have specifically on auto loans.
  • Payment history: Although your history of making payments on time is factored into your credit score, lenders also consider payment history separately.  If your credit bureau report shows late auto loan payments, an auto repossession or charge-off, or a pattern of late payments on other loans, it will be harder to qualify or get favorable loan terms.
  • Overall debt: Lenders evaluate debt compared to income and/or your overall credit limit.  In some cases, different types of debt, such as student loans, medical debt, and home-equity lines of credit, are treated differently.  In general, if the ratio of Debt to Income, based on the amount of your monthly debt divided by your monthly gross income, is less than  50% you are more likely to qualify.
  • Outstanding loan balance
  • Income: Income factors into a lender’s evaluation in three ways:  the minimum monthly income threshold, the debt to income ratio, and the payment to income ratio.  The higher your income, the better your ratios and the more comfortable a lender becomes with extending credit, which results in better terms.  Just remember, lenders may ask for proof of income and or employment to confirm your income, depending on your employment and income history and credit score.

Get started on Pre-qualifying for an Auto Refinance

If it looks like you may pre-qualify for an auto loan refinance, contact RefiJet to submit your application information.  At no cost to you, RefiJet will evaluate that information against various lenders’ lending programs to determine if you pre-qualify and the likely loan terms from appropriate lenders.  Then, you can select the option that works best for you and approve your application being submitted to a lender for formal approval.  It’s a fast, simple, and safe way to evaluate your pre-qualified options without having to submit multiple applications to multiple lenders.

Pre-qualify Auto Refinance Requirements

These are some of the requirements needed to be able to pre-qualify for auto refinancing.

Auto Refinance Requirements

Are you employed or have a verifiable source of income?

Auto Refinance Requirements

Have you made your recent car payments on-time?

Auto Refinance Requirements

Your vehicle must be 10 years old or newer.

Auto Refinance Requirements

Your vehicle must have full coverage insurance.

Auto Refinance Requirements

You must have a valid vehicle registration.

Auto Refinance Requirements

You must have a valid driver's license.

Auto Refinance Requirements

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Get Pre-Qualified for an Auto Refinance Loan Today!

RefiJet is an auto-refinance company that specializes in offering personalized help & support to find consumers the best auto refinance loan for which they qualify. RefiJet partners with a national network of leading financial institutions & deliver quick quotes at competitive rates.

Auto refinancing solutions to:

  • Lower your monthly payment- $150 Average Monthly Savings*
  • Reduce your loan’s interest rate
  • Add or remove a co-borrower
  • Extend your auto loan for added flexibility
  • Buy out your lease
  • Get cashback from the equity in your car
  • Protect your vehicle with an Extended Service Contract
  • Minimize your risk with Guaranteed Asset Protection
  • Take a vacation from your next loan payment

Pre-qualify for a refinance auto loan in minutes with no impact on your credit score.

Important Disclosures and Requirements

Federal ESIGN Disclosure and Consent 

 Electronic Consent:  Consent to Receive Information Electronically 

The Electronic Signatures in Global and National Commerce Act requires users of this Site who submit a Contact Form (“you” or “your”) consent to receive certain disclosures electronically. Please read this disclosure and consent carefully and retain a copy of this document for your records. 


Some communications with and disclosures by Yield Solutions Group, LLC dba (“” or “us” or “we”) on its behalf and on behalf of participating banks, finance companies, and credit unions (hereinafter called “Lenders”) are conducted electronically. In order to access, receive and retain required notices and your documents, including, any notices and disclosures required by state or federal law, such as our Privacy Noticeloan documents and disclosures that we provide to you on behalf of any Lenderand any other transaction notices and information from us (collectively, “Documents”) electronically, you must satisfy the minimum system requirements outlined below. However, if you wish to obtain a paper copy of any Documents that RefiJet provides you in connection with your credit inquiry and any subsequent application to our Lenders, you may contact Yield Solutions Group, LLC (dba in writing at 5775 DTC Blvd Suite 400, Greenwood Village, CO 80111 or by email at We currently do not charge a fee to send you a paper copy of any electronic Document, but reserve our ability to do so. Be sure to state which of the Documents you are requesting. reserves the right, in its sole discretion, to stop providing Documents electronically. RefiJet may also send Documents to you in paper form because we are legally required to do so or because we determine in our sole discretion that you should receive the Documents in paper rather than electronic form. will provide you with notice of any such termination as required by applicable law. If chooses to stop providing Documents electronically, will send any future Documents to you in paper form. Certain disclosures, however, will be made to you verbally if permitted by applicable law (the “Verbal Disclosures”).   


You must consent to receive Documents electronically in order to complete the credit inquiry process with and any subsequent loan process with one of our participating Lenders. Your consent will apply to Documents as defined above. You may withdraw your consent for receiving electronic Documents by notifying us in any of the ways described above. Since is structured to process all or part of your credit inquiry and any subsequent loan  electronically, not consenting, or withdrawing your consent to receive electronic Documents may result in the termination of the credit inquiry and/or loan process. Your withdrawal of this consent is effective only after we have had a reasonable period of time to act upon your withdrawal. Even if you consent, note that the Verbal Disclosures will be made to you telephonically. 

If you wish to withdraw your consent to do business electronically with our participating Lenders, you may do so at no cost to you by contacting the Lender at the mailing address, email address or telephone number they provide to you separately for such purpose.  


In order to use this service, you must consent to receive Documents electronically and you agree that these electronic disclosures will be sufficient as a “writing” under applicable law.  


In order to receive, access and retain electronic Documents, you will need the following hardware and software: 

  • a computer, mobile device, tablet or similar device with an internet connection; 
  • a current web browser that supports HTTPS connectivity;  
  • a current version of a software program that can open and display PDF files (such as an Adobe Acrobat reader); 
  • a valid email address with email software to communicate with us electronically; and 
  • an installed printer or sufficient storage space to save, store, print or otherwise retain electronic Documents. 

 These disclosures and the Documents are both provided to you in PDF; therefore, your access to this page from your own system/device verifies that your system/device has the necessary software to permit you to receive and access PDF files. 

If the system requirements for accessing the copy of your Documents on the secure webpage change so as to require different or additional hardware or software, or upgrades, plug-ins or enhancements to the hardware or software used by you (all such changes referred to as a “Systems Enhancement”), we will notify you and you may either withdraw your consent or upgrade your hardware and/or software as required by the Systems Enhancement.  

This consent is valid until revoked by either party. 

It is important that you keep your email address current with us.  Please notify us at 1.800.260.5355 if your contact information changes at any point in the refinance process.  We may treat your failure to provide us with a valid email address, or the malfunction of the email address we have for you, as a withdrawal of your consent to receive Documents electronically. 

System Requirements to Retain Information 

If you have a valid email address, a copy of the loan Documents will be provided to you upon execution in the form of an email link to a secure portal that will contaithe PDF loan documentsYou will log into the secure portal using your access credentials. The PDF document will be available to you in the secure portal for thirty (30) days. To retain a copy of the Documents, you may choose to print them, save them or both. In order to print them, you must have a functioning printer connected to your personal computing device.  If you wish to retain an electronic version of the Documents, you must have a personal computing device with the hardware and software necessary to download and store PDF files. 

By clicking to accept, you: 

  • acknowledge your receipt and review of the foregoing Federal ESIGN Disclosure and Consent; 
  • give your affirmative consent to our providing electronic Documents to you as described above; and 
  • confirm that your computer or access device satisfies the hardware and software requirements needed to access and retain the Documents that will be provided to you in electronic form, including through use of a valid email address to access a link to secure portal to access the Documents. 

If you do not click to accept you are not consenting to our providing electronic Documents to you as described above, and you are terminating your transaction with us